07. July 2011 · 6 comments · Categories: Regulators

txtNation have been closely involved in and following the trail of when the guidelines for Mobile Payment Applications, otherwise referred to as in-app billing, will be put in practice and how this will be achieved.

I personally understand the need for this to happen sooner rather than later for safely and security on how we implement mobile payments going forward. Following the PCI guidelines they are at this stage a little general to say the least, but I am sure will get more focused as time goes on.

Three important categories have been released and ammeded, one contatining applications on the mobile phone that support PIN validation. Cat 2 covers applications on devices solely dedicated to making billing transactions. The new third category is related to mobile applications used for payments (in-app billing).

The third category for in-app payments is where review will happen in due course.

On important point to note was that the PCI Council stated that all consumer payment options downloaded to mobiles, e.g. mobile wallets, in-app billing, are at this time considered exactly the same as a credit card or ‘physical wallet’ and are not within the Council’s remit right now.

Author: Michael Whelan, Director, txtNation


  1. Michelle Lacy

    Interesting read, any more information on this?


  2. My hat is off to your austte command over this topic on Mobile Payments-bravo!


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